This home is in St. Augustine.
Active·161 days on market
198 Santos Lane
St. Augustine, FL 32086
About this home
St. Augustine
Practically brand-new two story home on an oversized lot, in the desirable Sabal Estates community built by KB Homes. Perfectly positioned on a peaceful pond, this property offers serene water views with no rear neighbors looking in, creating a private and relaxing backyard setting. Inside, the flexible floor plan features a full bedroom and bathroom on the main level, ideal for guests, a home office, or multigenerational living, complete with its own closet for convenience. Upstairs, you will find an expansive primary en suite designed to impress, highlighted by an oversized walk in closet and plenty of room to unwind at the end of the day. The secondary bedrooms are all generously sized, and the second floor laundry room adds everyday ease right where you need it. The heart of the home is the spacious kitchen, offering a large island and plenty of room to cook, gather, and entertain while staying connected to the oversized family room, perfect for movie nights or hosting friends and
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Cost to own
Taxes & assessment
Last sold: $502,400 in July 2024(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $451,173 | $451,173 | — |
| 2024 | $90,000 | $90,000 | — |
2025 property taxes (current owner): $6,154/yr
Estimated taxes if purchased at asking price: ~$8,100/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone C
Zone C evacuates after zones A, B in an approaching storm.
Roof: Shingle — year not disclosed (home built 2024)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,863 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeInformational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.
History
Price & status history
- Feb 5, 2026Listed$505,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER PREMIER PROPERTIES
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines